1) A minimum average daily collected balance of $5,000 per month; or
2) $5,000 or more in monthly merchant processing with BBVA Compass; or
3) Enrollment in BBVA Compass for Your Cause (subject to eligibility)

Interest-Bearing

No

ATM Fees Charged by BBVA Compass

$0

For using an ATM in BBVA Compass' ATM network

$3.00

For using an ATM outside of BBVA Compass' ATM network

Early Account Closing Fee

$25

If account closed within 180 days of opening

Stop Payment Fee

$32

Per request made in a branch or by telephone to stop payment of an item

$25

Per request made online to stop payment on a check

Excess Transaction Fee

$0.50

Excess Transaction Fee will be charged for each transaction1 over the monthly limit of 250. An additional 250 transactions (total of 500 per month) available as a Premium Feature.

Branch Cash Deposit Fees

$0.003

$10,000 in cash processing per month at no charge. An additional $5,000 per month available as a Premium Feature. A charge of $0.003 will apply for each dollar deposited above the $10,000 monthly cash processing limit. For example, if you deposit $1,000 more than your monthly limit, you will be charged a $3.00 Branch Cash Deposit Fee.

Paper Statement Fee

$3

Per statement cycle to receive monthly statements by mail. These statements will not include images of cancelled checks. You can avoid the Paper Statement Fee by turning off paper statements and receiving your account statements electronically through Online Banking. Online Banking customers will automatically receive PDF copies of their monthly statements, and can view images of cancelled checks, through Online Banking at no additional charge.

Image Statement Fee

$5

Per statement cycle for statements that include images of cancelled checks.

Other Service Fees

Please consult your Miscellaneous Fee Schedule for a list of additional service fees.

Premium Features

Premium Features

Premium Features

$10

Select 2 Premium Features at no additional charge. Additional Premium Features may be selected for a fee of $10 per feature per month. This fee will be referred to as a "Premium Features Chg" on your monthly account statement.

Premium Features Include:

Additional 250 transactions per month (total of 500 items)

Additional $5,000 per month in cash processing (total of $15,000)

Unlimited returned deposited items per month

One Free Wire Per Month. This feature will be applied to the highest-priced wire in a given month. This feature does not apply to wires that take place through Compass e-Access or Online Banking.

One Overdraft Fee Forgiveness Refund per Year. Applies to one NSF Charge-Paid Item or NSF Charge-Returned Item. The Overdraft Fee Forgiveness Refund features must be redeemed before the Account Anniversary occurring immediately after this feature is selected or it will be forfeited; this feature does not accrue or carry forward to subsequent years. Once you redeem this feature, it will remain a selected feature until the Account Anniversary. You may cancel this feature after the Account Anniversary before you redeem it in the next year. If you select other features during the year, and have redeemed the Fee Forgiveness Refund feature, they will be in addition to this feature. This feature may not be used for forgiveness of Extended Overdraft Service Charges.

Additional Information Regarding Premium Features

The "Premium Features Chg" will reflect the highest number of features selected during the given month, regardless of the number of days the features were in effect.

The "Premium Features Chg" will be incurred on the day the statement is generated.

With the exception of the One Overdraft Forgiveness Refund per Year feature, Premium Features will not take effect until the first business day of the following month.

Overdraft Fees

Overdraft Fees

NSF - Returned Item

$38

Per returned item presented against insufficient funds (see maximum penalty fee number below)

Deposited Item Returned Fee

$12

For each item that you deposit or cash that is rejected by the payor bank ($25 for foreign items)

NSF Charge - Paid Item Fee

$38*

Per overdraft item covered by the bank

*NSF Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.

Extended Overdraft Service Charge

$25

Charged when your account remains overdrawn by more than $1.00 for ten (10) consecutive calendar days. An additional $25 Extended Overdraft Service Charge will be charged if your account remains overdrawn by more than $1.00 for twenty (20) consecutive calendar days. This charge is in addition to any NSF fees you may incur as a result of items being presented against insufficient funds.

The best way to avoid unexpected fees is to always make sure that your Available Balance is sufficient to cover any transaction before you make it. BBVA Compass offers a variety of services (complimentary or fee-based) to provide you with useful tools, account accessibility and peace of mind. Please consult your account disclosure for complete details.

Processing Policies

Processing Policies

Posting OrderThe order in which withdrawals and deposits are processed

We process and post transactions - both credits (including deposits) and debits - throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity.
Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day.

Summary of Our Deposit Hold PolicyWhen funds deposited to your account are usually available for deposits less than $5,000 and absent exceptional circumstances - see the Account Agreement for a detailed description of our policy).

Cash deposit with Teller or ATM: same business day as the day of deposit

Direct deposit or wire transfer: same business day as the day of deposit

Check deposit with Teller or ATM: same business day as the day of deposit

Remote Deposit Online: same business day as the day of deposit

If something causes a longer hold on a deposit, the first $200 of that deposit will generally be made available the same business day as the day of deposit.

A "business day" is a non-holiday weekday. At branches, business days end at closing time and at ATMs business days end no earlier than 1 pm. Remote Deposit Online business days end at 8 pm CST.

Dispute Resolution

Dispute Resolution

Dispute Resolution Agreement

If a dispute arises between us, you or we may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details.